Privacy policy

This Privacy Policy governs the manner in which FYNCAP and its parents, subsidiaries, and affiliates (collectively “I”, “we,” “FYNCAP”, “our,” or “us”) collects, uses, maintains, and discloses information collected from users (each, a “User”) of the FYNCAP.com website (“Site”). This Privacy Policy applies to the Site, the “FYNCAP App” and all products and services offered by FYNCAP.

Personal identification information.

FYNCAP may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site or use mobile applications; register on the site; fill out any part of the form on our website or any webpage on our website; open and respond to our e-mails; open and respond to our text messages; visit any page online that displays our ads or content; visit any of our blogs, social media outlets, or affiliated websites; directly call FYNCAP or its affiliates with phone numbers provided through any and all marketing and lead generation sources; provide information to FYNCAP employees through e-mail, phone, text message, or facsimile; interact with our advertising and applications or third-party websites and services, if those applications or advertising include links to this policy; and in connection with other activities, services, features or resources we make available on our Site. Users may be asked for, as appropriate, name, email address, mailing address, phone number, social security number, business information including the business name, EIN, size, type, and financial information including bank statements, credit card statements, average bank balance, personal and business credit history, payment history, bank account information, and tax information. When required, we will collect information on the beneficial owners of our business customers for the purpose of verifying identity only. The US Government implemented the beneficial ownership regulation to help deter financial crimes. Pursuant to our privacy policy and procedures, we will maintain beneficial ownership information in our system. Users may, however, visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personal identification information, except that it may prevent them from engaging in certain Site-related activities.

Non-personal identification information.

We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer, and technical information about Users’ means of connection to our Site, such as the operating system, Internet service providers utilized, and other similar information.

Web browser cookies.

Our Site may use “cookies” to enhance User experience, provide us with useful information, to help us improve our Site and Services, to conduct advertising, and to analyze the effectiveness of advertising. User’s web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. User may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent.

User may find out more about Cookies by visiting www.AboutCookies.org or www.allaboutcookies.org.

How we collect your personal data.

Direct interactions. You may provide us your Identity Data, ID Data, and Contact Data, as well as your photograph, by submitting it to us as part of the registration or application process.
Direct interactions through communication with FYNCAP employees by email, phone, text message, or fax.
Automated technologies or interactions through our website and mobile applications.
Third-party sources, such as analytical tools and marketing platforms.

How we use collected information.

We will only use your personal data when permitted by law.

FYNCAP may collect and use Users’ personal information for the following purposes:

To verify your identity and conduct appropriate due diligence;
To register you as a user and identify you when you sign in;
To conduct identity verification for compliance purposes, including beneficial ownership information as required by law;
To operate, maintain, improve, and provide you with our Services;
To communicate with you regarding your account, customer service requests, marketing communications, and updates;
To refer you to our affiliates or third-party service providers;
To investigate and prevent illegal activities, suspected fraud, security threats, or violations of our terms of service;
To comply with legal obligations, enforce this Privacy Policy, and defend legal rights;
To produce aggregated, de-identified analytics for business purposes.

How We Share Your Information.

We may share the information collected about you in the following ways:

To personalize user experience and improve our Site and Services.
To share your information with third-party affiliates or partners for marketing or related purposes.
To send periodic emails or text messages regarding account updates, company news, or marketing materials. Users can opt-out at any time using provided instructions.
To communicate with you via text messages by providing your mobile number, with the option to opt-out at any time by texting STOP.

Information Collected from Third Parties/Other Sources.

We may use third-party services to gather personal and financial information from financial institutions connected to your account. By interacting with our services, you agree we may provide information necessary for such collection. You may revoke consent by contacting us at support@fyncap.com with “AUTHORIZER REVOCATION” in the subject line. This may impact our ability to provide certain services.

How we protect your information.

We adopt and maintain commercially reasonable security measures to protect your Personally Identifiable Information against unauthorized access or misuse. However, we cannot guarantee absolute security. We only access bank information on a read-only basis and do not store banking credentials. Data exchanges between the Site and its Users are secured by SSL encryption.

Third-Party Links.

Our Site may contain links to other websites. We are not responsible for the privacy practices or content of such sites.

Notice to Nevada Residents.

We do not currently sell personal information. Nevada residents may still submit a verified opt-out request to support@fyncap.com.

Notice to California Residents.

California residents have specific privacy rights under the CCPA, including the right to know, delete, correct, and opt-out of the sale or sharing of their personal information. Requests can be submitted by contacting us through the methods outlined below. We do not collect or process sensitive personal information for the purpose of inferring characteristics.

How to Submit Requests and Verify Identity.

Submit requests to know, delete, or correct personal information by contacting support@fyncap.com. Verification requires submission of your name, last four digits of your SSN, date of birth, and business name.

Opt-Out Instructions.

To opt-out of marketing communications, follow unsubscribe instructions provided in emails or text messages, or contact us directly.

Third Party Links.

Our Site may include third-party links. We are not responsible for third-party privacy practices.

Updates to this Policy.

We may update this Privacy Policy at any time. Users should periodically check this page for updates.

Contacting Us.

For questions about this Privacy Policy or your dealings with this Site, contact us at:

FYNCAP
ATTN: Customer Service
Email: support@fyncap.com